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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,569 | $86,288-73.8% | $111,306-79.7% | $85,851-73.7% |
| Participation rate | 69.4% | 73.3%-3.9pp | 77.3%-7.9pp | 69.3%+0.1pp |
| Annual return | 14.42% | 19.99%-5.6pp | 54.67%-40.3pp | 318.63%-304.2pp |
| Employer contribution / active EE | $1,559 | $2,044-23.7% | $2,732-42.9% | $2,565-39.2% |
| Participant deferral / active EE | $2,142 | $3,641-41.2% | $4,488-52.3% | $3,952-45.8% |
| Admin fee / account holder | $2,077 | $8,189-74.6% | $7,966-73.9% | $6,261-66.8% |